Rates

Loan Rates - Effective Wednesday, May 21, 2025
Loan TypeRates as low asTerms & Information
2025 New Vehicle Loan » 5.49% 60 M Great Rates on New Cars
2021-2024 Used Auto » 5.75% 60 M Enjoy hometown service with a great rate on a like new auto!
2020 Used Auto » 7.75% 60 M Great Rates on Used Cars
2019 Used Auto » 8.25% 60 M Great Rates on Used Cars
2018 Used Auto » 8.5% 54 M Great Rates on Used Cars
2017 Used Auto and Older » 9% 48 M Great Rates on Used Cars
Credit Card » 11.9% 36 M 1% Cash Back Rewards and More!
Home Equity Loan 7.375% 0 M Tap into your house's equity and save money
Unsecured Signature Loan » 10.75% 36 M using only your signature for collateral!
Recreational/Equipment-New » 6.75% 60 M Boats, ATVs, etc | Equipment Loan to Help Your Business Grow
Recreational/Equipment-Used » 7.25% 48 M Boats, ATVs, etc | Equipment Loan to Help Your Business Grow

For current long term mortgage rates or a home equity line of credit, please call any one of our 4 branches at:

(989) 352-6031

 

Certificate Rates - Effective Wednesday, May 21, 2025
Certificate TermAPYMinimum Deposit
6 MONTH4.25%$500
12 MONTH4%$500
24 MONTH3.75%$500
36 MONTH3.5%$500
12 MONTH IRA TRADITIONAL4%$250
36 MONTH IRA TRADITIONAL2.25%$500
12 MONTH IRA ROTH4%$250
36 MONTH IRA ROTH2.25%$500

Savings Rates - Effective Friday, March 31, 2023
APYMinimum
Deposit
Minimum
Balance
REGULAR SHARES0.05% $10
SUB SHARES0.05% $0
CHRISTMAS CLUB0.05% $0
VACATION CLUB0.05% $0
CHECKING0.05% $1000
HSA DRAFT0.05% $0
BUSINESS CHECKING0.05% $1000
BUSINESS CHECKING0.5% $100000
BUSINESS CHECKING0.75% $250000
BUSINESS CHECKING1.01% $500000
MONEY MARKET DRAFT0.2% $2500
MONEY MARKET DRAFT0.45% $10000
MONEY MARKET DRAFT0.65% $25000
IRA TRADITIONAL0.65% $10
IRA ROTH0.25% $10


All Branches CLOSED: Monday, May 26 (Memorial Day) | 24 hr ATM and Online/Mobile Banking services will still be available. We will be open normal business hours on Tuesday, May 27.